Terms of use
1. Acceptance & changes of the terms of use
1.1 Your visit to and use of the website (“Website”) offinanzplaner.ch (“derfinanzplaner.ch”) are subject to these Terms of Use (“Terms of Use”). By visiting, navigating and using our website, you declare that you have read, understood and unconditionally accepted the terms and conditions of use, to which we make changes from time to time. 1.2 If we make changes to our Terms of Use, we will upload the new version to our Website. We therefore ask you to review the Terms of Use from time to time to take note of any changes.
Copyright and intellectual property rights
2.1 The content of our website and in particular, but not exclusively, the texts, trademarks, logos, graphics, photographs, videos, sounds, musical pieces, designs, drawings, know-how, technologies, products and processes, are the property of derfinanzplaner.ch or are used with the consent of their owners and are protected by corresponding copyrights, trademarks, patents and all other intellectual or industrial property rights to which they are entitled under the applicable laws. 2.2 Subject to the provisions of Article 3 below, no element of our Website may be construed as granting any licence or right of use to any element displayed on the Website.
Use of the Website
3.1 You may download, view or print the content of our Website solely for your personal and non-commercial use, retaining and reproducing all copyright and other intellectual property notices contained in the content or other materials you download. Any other use, including the reproduction, modification, distribution, transmission or dissemination of the elements of the website, whether in whole or in part and regardless of the reproduction method used, is expressly prohibited without the prior written consent of dersteuerexperte.ch. 3.2 derfinanzplaner.ch does not guarantee that the use of content published on its website does not infringe the rights of third parties.
Information deemed to be non-confidential
4.1 All data and information which allows us to identify you personally and which you transmit to our website via the Internet is protected and will be treated in accordance with our data protection declaration. We encourage you to read this policy carefully before providing us with any data or information that may personally identify you. 4.2 Any other information or material that you provide on dersteuerexperte.ch via the Internet by electronic mail or other means, including data, questions, comments, suggestions, ideas, graphics, etc., will not be treated as confidential or proprietary. Anything you transmit or upload becomes the property of dersteuerexperte.ch and may be used without limitation for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, performance and posting. In particular, Finanzplaner.ch is free to use any ideas, concepts, know-how or techniques contained in any communication you send to the Website for any purpose, including, but not limited to, developing, manufacturing, advertising and marketing products that use such information. The use of such information provided by you does not entitle you or any third party to any compensation. 4.3 If you transmit information, you guarantee that the material contained therein is your property, that it is not defamatory and that its use by derfinanzplaner.ch does not infringe any right of a third party. derfinanzplaner.ch is not obliged to use the transmitted information.
Exclusion from guarantee
5.1 Without limiting the scope of article 6 below, all material, information and anything found on the Website is provided “as is”, “as available” and without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability or fitness for a particular purpose. 5.2 derfinanzplaner.ch does not warrant that its website or its content will meet your expectations, and that it will be uninterruptedly available, appropriate, secure and free from error. 5.3 Because some jurisdictions do not allow certain limitations on warranty, it is possible that some of the foregoing exclusions may not apply to you. 5.3 Because some jurisdictions do not allow certain limitations on warranty, some of the foregoing exclusions may not apply to you. 5.4 Any advice or information obtained from derfinanzplaner.ch in written or oral form during the use of the Services or provided on the Website does not give rise to any warranty that is not expressly mentioned in these Terms of Use
Limitation of liability
6.1 You visit and use our website (derfinanzplaner.ch) and navigate on it at your own risk. 6.2 You acknowledge and accept that dersteuerexperte.ch , the companies that have participated in the design, production or delivery of the website, to the full extent permitted by applicable law, may not be held liable for any direct, indirect or incidental damages, or for any damage to reputation, costs, losses, decreases in turnover or profits or gains of any kind (even if the occurrence of a disadvantage to financial planners.The use of the website or its contents may result in any loss or damage (even if the occurrence of a disadvantage to the financial planner was known or could have been foreseen by it) arising from the use or, on the contrary, the impossibility of use of the website or its contents. 6.3 Any material downloaded or obtained in any other way through the use of our website is at your risk. derfinanzplaner.ch assumes no responsibility for any damage or virus that may infect your computer or computer equipment following a visit to or use of the website or any downloading of elements from the website, or for any unauthorised interference with computer systems. 6.4 derfinanzplaner.ch reserves the right to suspend or defer any or all of the functions of its website. derfinanzplaner.ch accepts no responsibility of any kind for any suspension or deferment of any or all of the functions of its website arising out of the actions or omissions of derfinanzplaner.ch or any third party.
Modification of information
The content of our website may be subject to inaccuracies or errors. derfinanzplaner.ch reserves the right to change, correct or improve said content at any time and without notice, but assumes no obligation to do so.
Availability of products / services
Our website may contain information about products and services of dersteuerexperte.ch that are not necessarily available everywhere. A reference to products or services on the website does not mean that they are available in your place of residence.
Links
9.1 As a service to our visitors, our website may contain links to other websites on the internet which are neither operated nor controlled byfinanzplaner.ch. derfinanzplaner.ch cannot accept any responsibility for this website and disclaims all liability for its content, legality, accuracy and function. 9.2 The creation of links to our website is prohibited without the prior written consent of derfinanzplaner.ch.
Postponements
10.1 These Terms of Use constitute the entire agreement between derfinanzplaner.ch and you regarding the visit and use of the website and its content. Any additional provisions adopted byfinanzplaner.ch to regulate its relations with you, in particular with regard to a service or the purchase of a product, are supplements to these Terms of Use; in the event of contradictions between them, the additional provisions shall prevail. 10.2 The fact that Finanzplaner.ch tolerates that you fail to comply with any of the obligations arising from the Terms of Use, or that dersteuerexperte.ch waives any right conferred on it by these Terms of Use or by law, cannot in any event be construed as a waiver of the enforcement of its rights. 10.3 In the event that any clause of the Terms of Use would be deemed unlawful under any existing or future provision of law, regulation or court order, such clause would be deemed unwritten, and all other clauses of the Terms of Use shall remain in full force and effect. 10.4 The title to the articles of the Terms of Use constitutes a mere reference and may in no way affect or alter the provisions.
The website derfinanzplaner.ch is a product of derfinanzplaner.ch GmbH. Zurich, 02.12.2021
Disclaimer
Liability
The company derFinanzplaner.ch GmbH does not assume any liability for the correctness, topicality and completeness of the information and downloads published on this website. Although Finanzplaner.ch takes every care to ensure that the information published and the statements made in the published publications are correct, no warranty can be given in respect of the accuracy, reliability, up-to-dateness or completeness of the content of this information. Finanzplaner.ch expressly reserves the right to change, delete or temporarily not publish content in whole or in part at any time without prior notice. Liability claims against Finanzplaner.ch for material or immaterial damage arising from access to, use of or non-use of published information, misuse of the connection or technical faults are excluded. The company “derFinanzplaner.ch” GmbH disclaims any liability for damages of any kind arising from the use of this website. All downloads, links, scripts, videos and possible tools are offered without any guarantee. Our offer may contain links to external websites of third parties over whose contents we have no influence. Therefore we cannot take any responsibility for these external contents. The respective provider or operator of the pages is always responsible for the contents of the linked pages. The linked pages were checked for possible legal infringements at the time of linking. Illegal contents were not recognisable at the time of linking. A permanent control of the contents of the linked pages is not reasonable without concrete evidence of an infringement. As soon as legal violations become known, Finanzplaner.ch will remove such links immediately. Finanzplaner.ch can also accept no responsibility for content published or made available by third parties, including users and partners. Even if Finanzplaner.ch does not tolerate the platform being misused for the dissemination of false or illegal information (whether under Swiss or international law), the entire responsibility for such material remains with those natural or legal persons who use the server and storage media for the purpose of storing and/or disseminating such material.
Privacy Policy
In principle, you can access the Finanzplaner.ch website without providing any personal information. Your visit to the Finanzplaner.ch website will be logged. By sending the completed contact form, the user expressly agrees by clicking on the “Send” button that his or her data are entered completely and truthfully and that they refer to the user himself or herself.
Copyrights
All online documents, websites, videos, graphics and their parts are protected by copyright and may only be copied and printed for private, scientific and non-commercial use. Without the prior written permission of Finanzplaner.ch, the documents and websites and their parts may not be reproduced or stored on other servers, fed into newsgroups or online services or stored on a CD-ROM or other data carriers. Insofar as the content on this site was not created by Finanzplaner.ch, the copyrights of third parties are respected. In particular, contents of third parties are marked as such. Should you nevertheless become aware of a copyright infringement, please inform us accordingly. As soon as we become aware of any infringements, we will remove such content immediately. The citation of documents, videos, web pages and graphics under correct references as well as the setting of links to our website is expressly permitted. The publications listed today are not exhaustive and will evolve over time.
General terms and conditions (GTC) of derfinanzplaner.ch GmbH
Scope
These General Terms and Conditions apply to the provision of financial and pension planning and investment advice. Insurance consulting, accounting, fiduciary, tax and consulting services by the company nanzplaner.ch GmbH to its customers, unless otherwise agreed in writing in individual cases or mandatory by law. With his order to the company nanzplaner.ch GmbH, the customer confirms that he has read, understood and fully accepted these GTC in detail.
General contract content
The scope of the services to be rendered by the company nanzplaner.ch GmbH is determined by the order placed, usually within the framework of a written or verbal mandate agreement, as well as the implied conduct on the part of the customer. Subject matter of the contract are the activities agreed in individual cases and to be carried out by the company nanzplaner.ch GmbH and not a guarantee for the occurrence of certain economic or other consequences/results. For this reason, the company nanzplaner.ch GmbH can not make any statements in the form of expectations, forecasts or recommendations in the sense of a guarantee of success regarding the occurrence of appropriate circumstances, regardless of the provision of certain work results. The company of the nanzplaner.ch GmbH acts exclusively after the instructions of the client. It is not obliged to act on its own initiative without the instruction of the client. In urgent cases and if the client is not reachable, the company of nanzplaner.ch GmbH can take measures on its own initiative, whereby it should protect the presumed interests of the client in the best possible way. The order shall be executed in accordance with the principles of proper professional practice and in accordance with the rules of the profession and the code of professional conduct applicable on a case-by-case basis. Date specifications of the company nanzplaner.ch GmbH for the provision of services are considered general targets, unless they have been expressly agreed as a binding assurance in the sense of an expiration date. Official deadlines which can no longer be extended and which the company nanzplaner.ch GmbH has been commissioned to comply with shall be regarded as expiration dates if the company nanzplaner.ch GmbH is in possession of all necessary information and instructions for the corresponding input. If there is no expiration date, the performance delay of the agent due to exceeding the deadline occurs only after a single reminder and setting a reasonable grace period. Reports, expert opinions, statements, presentations and the like shall not be binding until they have been legally signed. In the case of other work results, the obligation shall be recorded in the same manner in a corresponding final letter. Oral communications, interim reports and preliminary work results, the draft character of which is expressly recorded or results from the circumstances, may deviate considerably from the final result and are therefore non-binding. Subsequent changes to the scope of services shall be subject to an appropriate adjustment of the agreed flat fee or cost ceiling. Unless expressly agreed otherwise, the adjustment shall be made in accordance with the effective additional expenditure of time. If an order is given to the company of the nanzplaner.ch GmbH, it is generally only accepted when the company of the nanzplaner.ch GmbH expressly confirms or executes it. A tacit acceptance of an order is categorically rejected.
Cooperation of the customer
The customer ensures that the company nanzplaner.ch GmbH timely all necessary instructions, documents and information for the proper order fulfillment are available. This documentation and information obligation applies for the entire duration of the order. As far as the company derfinanzplaner.ch GmbH does not have the necessary instructions, documents and information available in time, a liability for the proper fulfilment of the order (as far as at all conceivable) is excluded. The company nanzplaner.ch GmbH assumes that the information, documents and instructions provided are complete and correct. The customer undertakes to confirm this in writing at any time if required. The company derfinanzplaner.ch GmbH does not check the correctness of documents and information provided. Other written agreements remain reserved. If the customer makes the documents available late or incompletely (for example, disordered tax documents and receipts), the company definanzplaner.ch GmbH is entitled to charge the additional expenses according to agreed or usual terms.
Supplementary provisions for accounting, fiduciary, tax and advisory services
The company of the nanzplaner.ch GmbH is authorized with the consultation in individual questions as well as in the case of the continuous consultation and/or with implementation mandates, to take as a basis the facts specified by the customer, in particular numbers and background information to business transactions, in addition, data to the economic authorization at asset values and over tax- correct declaration of assets as correct and complete. Unless otherwise stated by the customer, the company of nanzplaner.ch GmbH is entitled to assume that the customer is the beneficial owner of the assets which the company of nanzplaner.ch GmbH deals with on its behalf and that all of these assets have been declared tax correctly in the past The consulting order does not include the actions necessary to meet deadlines, unless this is expressly agreed in writing between the parties. In this case, the customer must inform the company nanzplaner.ch GmbH of all instructions, documents and information essential for meeting deadlines in good time, so that the company derfinanzplaner.ch GmbH has a reasonable processing time at its disposal.
Exchange of information
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Rights of protection and use
All protective rights such as intellectual property rights and licence rights to the work results, findings, developed or used know-how created by the company derfinanzplaner.ch GmbH within the framework of the contractual relationship are exclusively entitled to the company derfinanzplaner.ch GmbH. The same applies to the documents and products created by it within the framework of the execution of the contractual relationship. The customer is entitled to a non-exclusive, permanent and non-transferable right of use for the exclusive purpose of his own use of the work results created for him by the company derfinanzplaner.ch GmbH and handed over to him. The same applies to documents and products provided to derfinanzplaner.ch GmbH by the client. The passing on of work results, documents or products as well as technical statements of the company derfinanzplaner.ch GmbH to third parties by the customer is only permitted with the written consent of the company derfinanzplaner.ch GmbH. The customer may not make changes to documents, products and other work results of derfinanzplaner.ch GmbH outside its own use without the express consent of derfinanzplaner.ch GmbH. Excluded from this are modifications of documents, products and other work results. References to contractual relationships between the parties, in particular within the framework of advertising or as a reference, are only permitted with the mutual agreement of both parties. Without the prior written consent of the company derfinanzplaner.ch GmbH, the customer may not name, reproduce or otherwise use the name or logo of the company derfinanzplaner.ch GmbH.
Right of rectification
If a work result created by the company derfinanzplaner.ch GmbH does not correspond to the explicitly defined requirements of the customer, the company derfinanzplaner.ch GmbH is to be given the opportunity in advance to repair free of charge within a reasonable period of grace. A possible right to the reduction of the fee arises only, as far as the subsequent improvement was unsuccessful within a period, for reasons, which the company derfinanzplaner.ch GmbH has to answer for.
Fees and expenses
Unless expressly agreed otherwise, all activities of the company derfinanzplaner.ch GmbH are invoiced on the basis of time spent on hourly fees of at least 15 minutes, or according to other objective criteria. It is incumbent on the client to request a guideline offer from the company derfinanzplaner.ch GmbH. If this is omitted, the services rendered by the company derfinanzplaner.ch GmbH are to be remunerated within the framework of the invoice. The applicable fee rate is determined by the degree of difficulty, the significance and the responsibility associated with the order, as well as by the function level of the clerk. In addition to the fee claim, the company derfinanzplaner.ch GmbH is entitled to reimbursement of incurred expenses, other expenses and third-party fees (e.g. brokerage fees and commissions). Cost estimates are based on an estimate of the work that will necessarily be required in the future as part of the assignment. The starting point for such estimates is the information provided by the client. Consequently, such estimates are not binding for the definitive calculation of the fee. Cost estimates and other details of fees or expenses are inclusive of VAT and, unless expressly stated otherwise, in CHF. The company derfinanzplaner.ch GmbH can demand reasonable advances on fees and expenses, as well as individual or regular interim invoices for already performed activities and expenses. In the event that an advance payment is requested or an interim invoice is issued, it may make the provision of further services dependent on full payment of the amounts claimed. The customer may only set off counterclaims against fee and expense claims from the company derfinanzplaner.ch GmbH if these are undisputed or legally binding. Necessary or by the customer desired subsequent changes of the achievement contents lead to an appropriate adjustment of the fee. Invoices are to be paid without deduction within 20 days to the account indicated by the company derfinanzplaner.ch GmbH. From the first request for payment and the associated increased manual effort, a reasonable turnover compensation can be charged which looks as follows: 1. payment reminder: CHF 10.00 2. payment reminder: CHF 20.00 Debt collection: CHF 180 default interest of 5%. The company derfinanzplaner.ch GmbH can, as a consulting firm, also receive services in connection with an agency activity from third parties, in particular from financial institutions such as insurance companies and banks, which constitute components of an appropriate remuneration for the activity of the company derfinanzplaner.ch GmbH on behalf of the client. The customer waives this claim or credit to the fees owed by the company derfinanzplaner.ch GmbH. The client acknowledges that these services are not subject to a limit amount.
Liability
Liability for slight negligence is excluded. The company derfinanzplaner.ch GmbH is generally liable for the same care as the employee in the employment relationship (Art. 398 para. 1 OR). Apart from the liability for proper selection, instruction and supervision, it is not liable for actions of third parties which it has used to fulfil the contract. If the behavior of the customer is jointly responsible for the damage, the company derfinanzplaner.ch GmbH is released from liability. As co-responsible behavior are considered incomplete, contradictory or late information and documentation (enumeration is not exhaustive). Any direct liability of employees of the company derfinanzplaner.ch GmbH is excluded to the extent permitted by law. Employees of the company derfinanzplaner.ch GmbH can independently agree to this exclusion of liability even after termination of their activity for the company derfinanzplaner.ch GmbH. If tax representation has been agreed with the customer, the company derfinanzplaner.ch GmbH processes all enquiries from third parties, in particular the tax authorities. The associated expenses will be charged to the customer at hourly rates. If the customer expressly does not wish this, he must inform the company derfinanzplaner.ch GmbH immediately. In this case the company derfinanzplaner.ch GmbH rejects any liability for the client’s damage.
Termination of the contract and its consequences
The contract ends by fulfilment of the agreed services, by expiry of the agreed term or by revocation. An order concluded for an indefinite period may be revoked by either party at any time in writing and with immediate effect. Subject to these provisions on termination at any time in accordance with Art. 404 OR, the parties agree on a period of notice of 3 months, in each case to the end of a month, in the mutual interest of sufficient reaction time. In the event of revocation or termination by the customer, the services rendered up to the time of termination of the contract shall be remunerated. The services rendered are to be paid on the basis of the effective hourly expenditure and the applicable hourly rates plus any expenses incurred. The company derfinanzplaner.ch GmbH is to be completely indemnified by the customer. If the contract is revoked by the company derfinanzplaner.ch GmbH, in order to avoid damage to the customer, those actions are to be carried out which are reasonable and do not tolerate delay. In the event of revocation at an untimely point in time, the revoking party undertakes to compensate the other party for the damage it incurs as a result of the termination of the contractual relationship at an untimely point in time.
Storage and handing over of work results and reference files
The company derfinanzplaner.ch GmbH shall keep the reference files for a period of ten years after termination of the contract. However, this obligation expires before the end of this period if the company derfinanzplaner.ch GmbH has requested the customer in writing to collect the reference files and the customer has not complied with this request within two months of receiving them. After ten years, the company derfinanzplaner.ch GmbH is entitled to destroy the files. If no tax representation has been agreed, the company derfinanzplaner.ch GmbH keeps only the direct tax declaration forms of the customers without enclosures for 10 years. All documents which the company derfinanzplaner.ch GmbH has received from or on behalf of the customer within the scope of its contractual activities belong to the reference files.
Changes to the range of services
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Severability clause
Should these regulations or parts thereof be invalid, this shall not affect the validity of the remaining regulations. The ineffective provision shall be replaced by one that comes as close as possible to its economic purpose.
Applicable law and place of jurisdiction
This contract is subject to Swiss law. For all disputes arising from this contract, the parties agree that the exclusive place of jurisdiction shall be the registered office of the company derfinanzplaner.ch GmbH as shown in the commercial register.
Privacy Policy
Information collected by us
We collect information to provide better products and services to all our customers – from identifying basic aspects such as the language you speak to more complex issues such as which products you find most interesting.
We collect information in two ways
Data that you communicate to us: For example, when you register, you will be asked to provide personal information such as your name, address, telephone number and e-mail address.
Information we receive as a result of your use of our services
We may collect information about the pages you visit and the way you use them, for example when you look at details of a service.
Such information includes
Device-related information: We may collect device-specific information (for example, the hardware model you are using, the version of the operating system, unique device identifiers, and information about mobile networks).
Website Use
Our website uses Google Analytics, a web analysis service provided by Google Inc. (“Google”). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website will generally be transmitted to and stored by Google on servers in the United States. On behalf of derfinanzplaner.ch, Google will use this information to evaluate your use of the website, compile reports on website activity and provide other services relating to website activity and internet usage. The IP address transmitted by your browser within the framework of Google Analytics is not combined with other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. You will find more information on terms of use and data protection at: http://www.google.com/analytics/terms/de.html or under http://www.google.com/intl/de/analytics/privacyoverview.html.
Log data
When you use our website, we may collect and store certain information in server logs.
These logs may include the following
Details of how you have used our website or IP address or browser type, browser language, date and time of your request and referral URL or cookies that uniquely identify your browser or derfinanzplaner.ch account or location information.
Local storage
We may collect and store information (including personal data) locally on your device using mechanisms such as your browser’s web memory (including HTML 5) and application data caches.
Cookies and Anonymous Identifiers
We use various technologies to collect and store information when you visit the Site, including the sending of one or more cookies or anonymous identifiers to your device.
How we use the information we collect
We use the information collected within the framework of our website for the provision, maintenance, protection and improvement of our services and products, for the development of new products and for the protection of derfinanzplaner.ch and our customers. Before we use information for purposes other than those listed in this data protection declaration, we will ask you for your consent.
Choice
You can set your browser to block all cookies, including those associated with our website, or to display a message when a cookie is set by us. However, it is important to note that our website may not function properly if your cookies are disabled.
Information we share
We do not pass on any personal data to companies, organisations or persons outside of derfinanzplaner.ch, except in one of the following circumstances:
With your consent
We pass on personal data to companies, organizations or persons outside of derfinanzplaner.ch, if we have received your consent for this.
For processing by other bodies
We provide personal information to our affiliates, other trusted companies or persons who process it on our behalf, based on our instructions and in accordance with our Privacy Policy and other appropriate confidentiality and security measures.
For legal reasons
We will pass on personal data to companies, organisations or persons outside offinanzplaner.ch if we can assume in good faith that access to these data or their use, storage or passing on is reasonably necessary in order to comply with applicable laws, regulations or applicable procedural law or to comply with an enforceable official order. Enforce applicable Terms of Use, including investigating possible violations, fraud, security deficiencies or technical problems to detect, prevent or otherwise address. To protect the rights, property or security of derfinanzplaner.ch, our customers or the public from damage, to the extent permitted or required by law. We may share aggregated, non-personal information with the public and our partners. Iffinanzplaner.ch is involved in a business combination, acquisition or sale of assets, we will continue to ensure the confidentiality of any personal information and we will notify affected customers before personal information is transferred or otherwise disclosed.
Data Security
We make every effort to protect finananzplaner.ch and our customers from unauthorized access to or unauthorized alteration, disclosure or destruction of data. In particular, we encrypt the contents of our website with personal data using SSL.
Enforcement
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Changes
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The website derfinanzplaner.ch is operated by the company derfinanzplaner.ch GmbH. Zurich, 02.12.2021
Impressum
Impressum
derfinanzplaner.ch GmbH Wiesenstrasse 10a / CH-8952 Schlieren E-Mail: info@derfinanzplaner.ch Website: http://www.derfinanzplaner.ch Bank account: CH83 0900 0000 6124 8924 4 PostFinance Bern: POFICHBEXXX Mehrwertsteuernummer: CHE-217.254.610
Commercial Register
Commercial Register Office of the Canton of Zurich Schöntalstrasse 5 / 8022 Zürich https://hra.zh.ch/internet/justiz_inneres/hra/de/home.html Company Number: CHE-217.254.610
Contact for press inquiries
E-Mail: info@derfinanzplaner.ch
Job title
The company derfinanzplaner.ch GmbH is an independent intermediary within the meaning of Art. 43 para. 1 of the Insurance Supervision Act (VAG).
Legal foundations
Federal Act on the Supervision of Insurance Companies (Insurance Supervision Act, ISA) Ordinance on the Supervision of Private Insurance Companies (Supervision Ordinance, AVO) Ordinance of the Swiss Financial Market Supervisory Authority on the Supervision of Private Insurance Companies (FINMA Insurance Supervision Ordinance, AVO-FINMA) Federal Act on Insurance Contracts (Insurance Contract Act, VVG) Federal Health Insurance Act (KVG)
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